Honda Civic Insurance Rates

Honda Civic insurance rates change from driver to driver, but average insurance rates for a Honda Civic are $1,536 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. 

For example, 2005 Honda Civic insurance rates are likely more affordable than 2009 Honda Civic insurance rates.

In order to help you secure an affordable Honda Civic auto insurance policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally discover the average insurance cost before you buy Honda Civic auto insurance.

You can even start comparing Honda Civic auto insurance quotes from multiple companies by entering your ZIP code into our free tool.

The average insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive insurance costs an estimated $256 each year, collision insurance costs $626, and liability costs $450. Buying just liability costs as little as $518 a year, and insurance for high-risk drivers costs $3,316 or more. Teen drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below illustrates average Honda Civic insurance rates for other coverage scenarios.

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $198 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,512
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $396 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,316
• Policy cost for full coverage for a 16-year-old driver can cost as much as $5,808 a year

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age

Your home state makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $600 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic not only requires avoiding accidents and claims, but also maintaining good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at every other renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick review of the concepts that were touched on above.

• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,800 more annually to insure a Honda Civic
• Drivers under the age of 20 are charged the highest rates, possibly costing $484 each month for full coverage
• It is possible to save approximately $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $600 each year
• It is possible to save approximately $190 per year just by quoting online in advance

Now that you have a better understanding of how Honda Civic car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Honda Civic insurance costs from multiple companies.

What are the safety ratings of the Honda Civic?

The safety ratings of the Honda Civic are important to know because positive scores translate to lower insurance rates.

Take a look at the Honda Civic’s crash test ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These results indicate that the Honda Civic received the highest mark possible in every crash test. That’s very impressive for a small car.

Honda Civic Compared Against Other Vehicles in the Same Class

Since the IIHS classifies the Honda Civic as a small four-door sedan, there is plenty of competition in this vehicle segment. 

Take a look at the following models that are comparable to the Honda Civic to see what average insurance rates look like:

• Nissan Sentra
• Hyundai Elantra
• Toyota Prius

While the preceding three sedans also show favorable insurance rates, the Honda Civic reflects a bodily injury loss percentage of 29 percent and a property damage loss percentage of 11 percent. Both are considered a little above average for this vehicle class. Make sure to ask your provider about to file Honda Civic auto insurance claims in the event of a collision.

We have uncovered a lot of information about the Honda Civic, so is there anything we might’ve missed? If not, start comparing Honda Civic insurance rates from multiple companies by using our free online quote tool.